<PAGE> 1
<TABLE>
EXHIBIT 11.1
STATEMENT REGARDING CALCULATION OF EARNINGS PER SHARE
<CAPTION>
Basic Diluted
EPS number EPS number Net Basic Diluted
of shares of shares Income EPS EPS
---------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
THREE MONTHS ENDED SEPTEMBER 30, 1999 8,964,784 9,624,336 $1,169,064 $0.13 $0.12
THREE MONTHS ENDED SEPTEMBER 30, 2000 8,989,253 9,639,253 $1,422,429 $0.16 $0.15
<CAPTION>
THREE MONTHS ENDED SEPTEMBER 30, 1999 Basic Diluted
----------- -----------
<S> <C> <C> <C>
Average Shares Outstanding 8,964,784 8,964,784
Options - Plan 1 30,000
Average Option Price $ 2.33
Total Exercise Cost $ 69,900
Shares Repurchased 4,663
Net Shares from Option - Plan 1 25,337
Options - Plan 2 217,200
Average Option Price $ 2.55
Total Exercise Cost $ 553,860
Shares Repurchased 36,949
Net Shares from Option - Plan 2 180,251
Options - Plan 3 555,300
Average Option Price $ 5.68
Total Exercise Cost $3,154,104
Shares Repurchased 210,414
Net Shares from Option - Plan 3 344,886
Option - EFA Non-qualified 84,000
Average Option Price $ 10.06
Total Exercise Cost $ 845,040
Shares Repurchased 56,374
Net Shares from Option - EFA Non-qualified 27,626
Options - CGB Qualified 171,436
Average Option Price $ 9.99
Total Exercise Cost $1,712,646
Shares Repurchased 114,253
Net Shares from Option - CGB Qualified 57,183
Options - CGB Non-Qualified 83,246
Average Option Price $ 10.62
Total Exercise Cost $ 884,073
Shares Repurchased 58,977
Net Shares From Option - CGB Non Qualified 24,269
--------- ---------
Gross Shares 8,964,784 9,624,336
Price $ 14.99
24
<PAGE>
<PAGE> 2
<CAPTION>
THREE MONTHS ENDED SEPTEMBER 30, 2000 Basic Diluted
----------- -----------
<S> <C> <C> <C>
Average Shares Outstanding 8,989,253 8,989,253
Options - Plan 1 15,978
Average Option Price $ 2.33
Total Exercise Cost $ 37,229
Shares Repurchased 2,314
Net Shares from Option - Plan 1 13,664
Options - Plan 2 204,287
Average Option Price $ 2.56
Total Exercise Cost $ 522,975
Shares Repurchased 32,503
Net Shares from Option - Plan 2 171,784
Options - Plan 3 549,670
Average Option Price $ 6.20
Total Exercise Cost $3,407,954
Shares Repurchased 211,806
Net Shares from Option - Plan 3 337,864
Options - Plan 4 50,313
Average Option Price $ 15.00
Total Exercise Cost $ 754,695
Shares Repurchased 46,905
Net Shares from Option - Plan 4 3,408
Options - EFA Non-qualified 85,500
Average Option Price $ 10.19
Total Exercise Cost $ 871,245
Shares Repurchased 54,148
Net Shares from Option - EFA Non-qualified 31,352
Options - CGB Qualified 167,828
Average Option Price $ 9.99
Total Exercise Cost $1,676,602
Shares Repurchased 104,201
Net Shares from Option - CGB-qualified 63,627
Options - CGB Non-qualified 83,246
Average Option Price $ 10.62
Total Exercise Cost $ 884,073
Shares Repurchased 54,945
Net Shares From Option - CGB Non-qualified 28,301
--------- ---------
Gross Shares 8,989,253 9,639,253
Price $ 16.09
25
<PAGE>
<PAGE> 3
EXHIBIT 11.1 (CONTINUED)
STATEMENT REGARDING CALCULATION OF EARNINGS PER SHARE
<CAPTION>
Basic Diluted
EPS number EPS number Net Basic Diluted
of shares of shares Income EPS EPS
---------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
NINE MONTHS ENDED SEPTEMBER 30, 1999 8,956,685 9,556,202 $3,128,497 $0.35 $0.33
NINE MONTHS ENDED SEPTEMBER 30, 2000 8,966,252 9,664,094 $3,706,188 $0.41 $0.38
<CAPTION>
NINE MONTHS ENDED SEPTEMBER 30, 1999 Basic Diluted
----------- -----------
<S> <C> <C> <C>
Average Shares Outstanding 8,956,685 8,956,685
Options - Plan 1 35,985
Average Option Price $ 2.29
Total Exercise Cost $ 82,406
Shares Repurchased 6,257
Net Shares from Option - Plan 1 29,728
Options - Plan 2 217,793
Average Option Price $ 2.55
Total Exercise Cost $ 555,372
Shares Repurchased 42,169
Net Shares from Option - Plan 2 175,624
Options - Plan 3 552,040
Average Option Price $ 5.61
Total Exercise Cost $3,096,944
Shares Repurchased 235,151
Net Shares from Option - Plan 3 316,889
Options - EFA Non-qualified 83,945
Average Option Price $ 10.06
Total Exercise Cost $ 844,487
Shares Repurchased 64,122
Net Shares from Option - EFA Non-qualified 19,823
Options - CGB Qualified 171,255
Average Option Price $ 9.99
Total Exercise Cost $1,710,837
Shares Repurchased 129,904
Net Shares from Option - CGB Qualified 41,351
Options - CGB Non-qualified 83,168
Average Option Price $ 10.62
Total Exercise Cost $ 883,244
Shares Repurchased 67,065
Net Shares From Option - CGB Non-qualified 16,103
--------- ---------
Gross Shares 8,956,685 9,556,202
Price $ 13.17
26
<PAGE>
<PAGE> 4
<CAPTION>
NINE MONTHS ENDED SEPTEMBER 30, 2000 Basic Diluted
----------- -----------
<S> <C> <C> <C>
Average Shares Outstanding 8,966,252 8,966,252
Options - Plan 1 25,292
Average Option Price $ 2.33
Total Exercise Cost $ 58,930
Shares Repurchased 3,418
Net Shares from Option - Plan 1 21,874
Options - Plan 2 207,470
Average Option Price $ 2.56
Total Exercise Cost $ 531,123
Shares Repurchased 30,808
Net Shares from Option - Plan 2 176,662
Options - Plan 3 550,456
Average Option Price $ 6.01
Total Exercise Cost $3,308,241
Shares Repurchased 191,893
Net Shares from Option - Plan 3 358,563
Options - Plan 4 16,893
Average Option Price $ 15.00
Total Exercise Cost $ 253,395
Shares Repurchased 14,698
Net Shares from Option - Plan 4 2,195
Options-EFA Non-qualified 84,504
Average Option Price $ 10.10
Total Exercise Cost $ 853,490
Shares Repurchased 49,506
Net Shares from Option-EFA Non-qualified 34,998
Options - CGB Qualified 170,225
Average Option Price $ 9.99
Total Exercise Cost $1,700,548
Shares Repurchased 98,640
Net Shares from Option - CGB Qualified 71,585
Options - CGB Non-qualified 83,246
Average Option Price $ 10.62
Total Exercise Cost $ 884,073
Shares Repurchased 51,280
Net Shares From Option - CGB Non-qualified 31,966
--------- ---------
Gross Shares 8,966,252 9,664,094
Price $ 17.24
</TABLE>
27